I. The meaning of 360 IOUs
360 IOU is a personal and microfinance platform under 360 Branch (formerly 360 Finance). It was launched in September 2065438+2006. Based on 360 big data, the credit of customers is evaluated, and instant consumption loans are provided on this basis.
Second, 360 IOUs take multiple measures in terms of safety and risk prevention and control:
1) Establish a credit portrait of users, and 360 IOUs establish a credit system based on sufficient social network data, which will sort out the credit behavior portrait of each user and rate the credit limit of users.
2) Establish a social behavior model, 360 build a credit score calculation system based on the user's social circle, and take the user's personal relationship as a credit rating reference.
3) Establish a white list and blacklist system to open a green channel for high-quality credit users, and on the other hand, provide inquiries for blacklisted users to prevent users from applying repeatedly, others from applying, providing false information, and preventing gang fraud.
4) Leading security technology, relying on 360' s leading cloud security system, 360 borrows a number of technologies to protect users' data security, privacy security and account security.
5) Professional and high-quality team, 360 has a leading domestic high-level safety technical team and a risk control team from a large domestic financial institution.
360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization under 360, and objectively present personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.